Date Received: 2017-09-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: AroundXX/XX/XXXX I asked Fifth Third Bank to update my loan balance to the ( 3 ) credit reporting bureaus over the phone what I got was about 10 minutes of unpleasant, agitating and discommoding conversation which led me to ask for a supervisor who also had a similar unsettling attitude, what resulted in the request for updated balance was on around XX/XX/XXXX the bank had now retroactively reported 4 missed payments ( 1 ) going back to XX/XX/XXXX ( 18 months later ) and the other ( 3 ) payments going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 11, 12 and 13 months retroactively ). I filed numerous disputes with the credit reporting bureaus and Fifth Third Bank directly, I received about a half dozen or so responses from Fifth Third Bank but they never answered why they went back and retroactively reported the ( 4 ) missed payments after reporting the loan with no missed payments since its original loan inception of XX/XX/XXXX to mid XX/XX/XXXX they also to this date acknowledge they never notified me of the negative reporting to the credit agencies before or after the negative reporting. Their investigation and written responses were also not accurate and can be proven by fact, I have asked them to delete the negative reporting and informed them of the violations under FCRA of their duties as a creditor/furnisher of negative credit reporting and of the violations of my rights as a consumer.
Company Response:
State: CA
Zip: 92806
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I made a previous claim with this company with Consumer Financial, and the company responded and sent a letter in the mail. The mail stated that they had to close my account to protect them. Here 's the problem. Before my account was closed, they blocked my access from logging into my account. I was still getting email notification, and was given a number to contact XXXX XXXX, but she never called back when a message was left. Recently I saw something in the mail that I owe them move because my account is overdraft, and if I do n't pay it by a certain time it will be sent to a collection agency. WHY CHARGE ME WITH AN OVERDRAFT AND FEES ASSOCIATED WHEN I COULD N'T LOGIN TO THE ACCOUNT BECAUSE I WAS BLOCKED FROM THE ACCOUNT, as per Fraud department. It would have been easier if I had access to my account, put money or went to the bank, rather than reporting to the consumer agencies that I overdraft my account, which had more than {$2000.00} in it when I had access to the account. This is fishy, and I will look for an attorney. This is cruelty.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On Saturday, XX/XX/XXXX, I endorsed three checks for deposit into mmy checking account at Fifth Third bank, where I have been a customer for approximately 15 years. I have moved all over the country and have always maintained that banking account. I placed those checks in a special devlivery envelope for overnight delivery to my bank in Michigan as that bank does not have service in MA. One of the checks was not dated. I failed to notice this but the bank teller did not. They did not deposit that check in the amount of {$1000.00} and instead, the teller scribbled a separate deposit stub ( which was completely illegible ) and mailed the {$1000.00} check back to me. By regular mail. The teller said she attempted to call me twice about the date of the check. That is not true as my cell phone, the only phone I have, did not record any missed calls. The bank mailed that check back to me, knowing that a scheduled withdrawal was about to occur, which would reduce my bank balance to close to XXXX. They mailed it back using the slowest possible mailing method, so that other scheduled withdrawals would bounce and so they could charge me $ XXXX/per bounced check. When I called to complain, I was escalated up the chain of command until I spoke to someone named XXXX, whom I told I did not think I should be charged overdraft fees when that happened, as it would be their fault, not mine, that my account would be overdrawn. XXXX then proceeded to lecture me on being an irresponsible customer, and that I should not be scheduling withdrawals for money that was not yet in the account, and that this was therefore my problem, not the bank 's problem. That legally it is MY responsibility to see to it that money is in the bank before I write any checks on that money, failing to note the irony of his statement. I had done what was necessary to have money in the account and his bank was seeing to it that it was not placed into the account, with an incentive for themselves as it allowed them to make quite a lot of money in overdraft fees. There is responsibility for me, but not for them apparently I asked whom else I could complain to, and he said he was as high as my complaint would go, because his supervisor did not have " face-time '' ( i.e. contact with the peasantry ) in his job description. I find this utterly appallng. XXXX XXXX, the CEO of Fifth Third bank just experienced a multimillion dollar raise in pay, no doubt composed of an awful lot of overdraft fees engineered by his bank. So now, according to XXXX, I have to wait 7-10 business days for the check to be returned to me, and must then date the check and redeposit the check ( by express mail if I wish to minimize overdraft charges ) and Fifth Third bank will profit from the entire procedure by an unknown number of dollars in these over-draft fees. I believe this is highly unethical and clearly not customer service oriented. Their attitude in speaking to their customers is condescending and rude. They ought to assume this overdraft responsibility, not me.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I missed the 3rd payment of a 3mth trial with XXXX XXXX through Fifth Third Bank. I found out that my ex-fiance has been talking to the bank without my written consent. I was unaware anything was wrong. He had been taking the money for the payments and buying drugs with the money.
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XXXX-XXXX-2017 i deposited in my account XXXX dollares from a customer in 3 checks of XXXX each the next day i checkd with the bank and they told me the funds were avaliable for me to withdraw when i tried to withdraw the money the teller told me that the bank will need to verify the checks with the other bank come back tomorrow and be able to withdraw funds for me but on the same day my online account was blocked my personal and business accounts were blocked and nobody told me anything about it not even a phone call telling me nothing and i really need the funds to take my family out of XXXX to XXXX because of the huracan irma is coming category 5 now i dont have money or debit cards or nothing i called the bank and they told me they have an investigator named XXXX doing some investigations i called this investigator 5 times and not respond from her now what do i have to do now if they were going to block my online account or cards why in the world i was not notified in the first place so i know what is the problem now i dont know what to do i have family kids without money and a huracan irma is coming to us we dont even have moneyfor gas to get out of here this is not the right way to handle customers at all i wish i can sue this bank for this kind of behaivor i am contacting you because under the law you are the ones that supervised and take the appropiate sanctions against this bank i want to know what to do as soon as possible since this huracan is coming please help me my life and the lifes of my family is in danger and XXXX XXXX is responsible for thank you XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hours : Open today XXXX See more hours Phone : ( XXXX ) XXXX
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2017-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I disputed a charge on a credit card with 5/3 Bank Mastercard. I unfortunately got sucked into a scam with a company called XXXX that offered services that supposedly helped businesses get small business loans. It turns out they just opened credit cards in my name and told my I could get cash from them. the fee for getting me what turned out to be four consumer credit cards that I could have applied for on my own for free was almost 7,000.00. That fee was charged to the XXXX XXXX that they had opened in my name. When I realized what was going on I called the credit card company and closed the account and asked to dispute the charge. After not hearing anything back for about a month I called to follow up on the dispute. The fraud department informed me that tis kind of charge can not be disputed, and that it ti a XXXX Policy. I asked to speak with someone else and a supervisor came on the line and told me " sorry, you have no recourse, there is no dispute possible with this kind of charge ''. He also told me there was no one else to talk to. I asked him for the contact info at XXXX, was told they did n't have that. I asked who gave the resonce from XXXX and what Department and was told the email was n't signed. He suggested I could XXXX XXXX and try and get in touch with them. Also that 5/3 considered the charge valid and would be expecting my payments.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2017-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have exhausted all methods presented to me by the Mortgage servicer 5th 3rd bank. The Mortgage is held by XXXX XXXX. I was laid off in XXXX of XXXX and in order to try and lower payments, I refinanced with 5th 3rd in XXXX of XXXX. That single act prevents me from using the HARP program. I kept working off and on in a poor economy for many years and struggled but made my mortgage payments. However, In XXXX I filed for bankruptcy and subsequently in XXXX, I was no longer able to make my mortgage payments. The servicer filed for foreclosure in XXXX. After recovering financially in XXXX, I approached the servicer and asked about my options. One option was a new mortgage, 40 year term, same interest rate as before which was 4.75 %. They wanted all of the back payments, their attorney costs and their late fees rolled into the new mortgage. The house is not worth this much money. The house is worth {$100000.00} less than that total. I tried to negotiate that with them but got nowhere. I even tried by contacting XXXX XXXX. Their answer was that there was no program in place to cover a reduction in principal. Did n't my tax money bail them out in XXXX? Anyway, I am now in a short sale situation with a buyer who has cash. It took one year of market time to get to this scenario. I have showed with an appraisal, qualified contractor estimates, and an inspection that the house is worth {$50000.00} less than 5th 3rd 's simple and quick BPO ( which is solely based on comparable closing prices in the area ). It took many attempts to get 5th 3rd to not rely on their armchair property appraisals and request a BPO. Before that, they never involved actually looking at the property and valued the property another {$50000.00} higher. They ( the servicer ) has delayed the closing by not approving the sale, but also by not disapproving the sale. 2 closing dates have been missed. The first was scheduled 90 days after the servicer received all required paperwork and documentation they asked for - scheduled for XXXX XXXX. Docs were sent XXXX XXXX. The second closing was scheduled for 30 days after that on XXXX XXXX. We are now over 5 months out from the initial closing date. The servicer had all of the documents they were asking for and the servicer continues to delay the process by not returning calls or emails. The servicer used to have a single point of contact in place early on in the short sale process. That person has been promoted and his supervisor is now handling my short sale. The supervisor will not give me a phone number, so I need to call the general phone number to 5th 3rd every time I try to get a status update. I am required to go through the entire history in order to get transferred to the supervisor who is never available and never calls me back. They have not scheduled a second BPO yet. XXXX XXXX said the previous one is expired and they need it as a part of their process. It has been over one week since I spoke to XXXX XXXX on XXXX XXXX about them needing a new BPO, and no action has been taken by 5th 3rd. The only reason a second BPO is required is because of delays from 5th 3rd. When the supervisor ( XXXX XXXX ) took over my short sale case, he said there were no docs to support my assertion that the property value was less than the first BPO. I have email documentation that XXXX XXXX ( the previous handler of the short sale ) received the supporting docs from me 2 months earlier on XXXX XXXX. He was supposed to forward those docs to XXXX XXXX in order that XXXX XXXX can make the decision regarding the short sale. They never forwarded them because why? nobody seems to know. at month XXXX, those docs were finally sent to XXXX XXXX by 5th 3rd. Now XXXX says they need a new BPO. The delays and ineptitude is more than staggering. They seem to be trying to delay in order to push the foreclosure along while delaying the short sale indefinitely. I have opened up 2 complaints with XXXX XXXX that also go unanswered. I keep calling but I do not get called back and I do not get any satisfaction with these so-called escalation calls to XXXX XXXX. In the 2 months I have been dealing with XXXX XXXX at 5th 3rd, I have received 2 emails and one phone call from him. I call weekly and leave messages. Both times he called, he said, yes I will get to your case. And then more delays and things seem to stagnate. I am at risk of losing this buyer and I have done everything that 5th 3rd and XXXX XXXX have asked me to do.
Company Response:
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2017-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I took out a HELOC with 5/3 Bank in XXXX. In XXXX, I ran into some personal issues and could not pay the HELOC as the interest rate adjusted. My payment amount doubled. The HELOC was eventually charged off. I had tried to obtain a modification with 5/3 several years ago. It was going smoothly until payment was demanded to do the modification. I was given 1 day to come up with a {$700.00} payment before the mortgage would be charged off. I simply could not come up with the money. Then in XXXX 5/3 brought a lawsuit against me for the charged off HELOC. I again could not pay and consulted an attorney for a chapter XXXX bankruptcy to pay the arrearage. The BK XXXX was approved in XX/XX/XXXXwith a payment to 5/3 of {$400.00} for the arrearage and {$400.00} to keep the HELOC current. In XX/XX/XXXX I sold my property in order to pay off the HELOC. On the pay off I was hit with {$11000.00} and accrued interest of {$49.00}, XXXX. 5/3 also supplied a payment history which I believe does not take into account any of the monies paid to through the bankruptcy. I have made several attempts in XXXX to recover the monies owed to me and to receive a breakdown on how my payments were applied. My bankruptcy attorney was not familiar with this happening as he stated this was the first time he saw deferred interest on a payoff after the arrearage was agreed upon by 5/3 at the time of the bankruptcy filing. 5/3 also used a debt recovery service who has not answered any inquiries I had in regard to my account. All that was furnished was a payoff breakdown to my bankruptcy attorney. 5/3 's debt collection agency did not furnish the payoff until 3 days before closing. I did not want to postpone the closing and jeopardize the sale of the property.
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2017-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I attempted to close my checking account back in 2016, around XX/XX/XXXX I contacted the bank through the online banking and was notified that I would need to contact my local branch. I contacted my local branch and was notified that I would either need to go in person or send a written letter requesting the close. I opted for the latter. I recently discovered that they either never received my letter or never processed the request. As a result, my account remained open. Moreover, my account has been moved to " dormant '' status and I have been assessed monthly fees, with more about to come. I again contacted the bank to close the account. This time, they notified me that since my account is in " dormant '' status, I would again need to visit in person or send a letter. As I have already attempted the latter, can not do the former, and with the clock ticking before the next monthly fine comes, I seem to be out of options.
Company Response:
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2017-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: 5/3 Express Banking - {$500000.00} Available Account Summary Ledger Balance : - {$16.00} Recent Activity View by Statement Keyword Search XX/XX/XXXX XXXX Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$40.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$33.00} XX/XX/XXXX Merchant Payment - XXXX XXXX # XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$30.00} XX/XX/XXXX MERCHANT PAYMENT - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$29.00} XX/XX/XXXX DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX, FL ON XX/XX/XXXX FROM CARD # : XXXX - {$22.00} XX/XX/XXXX XXXX Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$20.00} XX/XX/XXXX DEBIT CARD PURCHASE AT for XXXX XXXX , XXXX, CA ON XX/XX/XXXX FROM CARD # : XXXX - {$13.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX 's XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$11.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX XXXX , XXXX, Fl On XXXX From Card # : XXXX - {$10.00} XX/XX/XXXX MERCHANT PAYMENT XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$9.00}
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A